Margill Calculations -
Examples and Screen Shots
See also our Support /
FAQ (Frequently Asked Questions) for specific calculation
explanations.
Calculations
Simple Interest
Compound Interest
Recurring Payments
Accrual by Installment
Present Value
Effective Rate of Return
Indexation of an Amount
Creation of an Indexation Table from
Variable Payments
Nominal / Effective (Real) Interest
Rate Converter
Various Date Calculations
International Sales Tax Calculation
Interest,
Indexation and Sales Tax Tables
Interest Tables
Indexation Tables
Sales Taxes
Detailed printed
reports of calculations
Sample
Detailed Printed Report
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 Simple
and Compound Interest |
Calculates the interest between two dates and provides a detailed
report and the daily interest at the final date
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Options:
- Single fixed rate
- Variable rates
- Variable rates + x% as of date x
- Capitalize the loan at anniversary date
- Multi currency
- Capital up to 999 million
- Interest rates up to four (4) decimal points
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Compounding periods:
- annual, semiannually, monthly, every 4 weeks, twice monthly,
every two weeks, weekly, daily
Multiple variable interest rate tables are included and may
be added and updated
see Interest
tables
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Click on the image
to see the full screen
Data
entry screen
Simple interest
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Detailed results report
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Click on the image
to see the full screen and detailed functions
Results
Compound
interest
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Recurring
Payments - Amortization |
Highly flexible calculation for the reimbursement
of capital by regular or irregular, uniform or non uniform payments.
Examples :
- mortgage calculations (all countries)
- loans reimbursed regularly or irregularly
- collection of unpaid accounts receivable
- cost of loan hypotheses (based on payment frequencies, interest
rates, etc.)
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Options:
- Single fixed rate
- Variable rates
- Variable rates + x%
- Multi currency
- Capital up to 999 million
- Interest rates up to four (4) decimal points
Generally accepted and precise calculation methods:
- Actuarial (Normal rule) for pour North and South America,
Europe (EC Directive), Africa, Asia, Australia
- Simple interest (non compounded)
- Particular case of the US Rule
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Payment frequencies:
- annual, semiannually, monthly, twice monthly' every x
days (for example: 7 days, 14 days, 28 days, 30 days, etc.)
Compounding periods:
- annual, semiannually, monthly, every 4 weeks, twice monthly,
every two weeks, weekly, daily
Determination of the unknown variable:
- Principal OR Payment amount OR Number of payments
Multiple variable interest rate tables are included and may
be added and updated
see Interest
tables
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Click on the image
to see the full screen and detailed functions
Data
entry screen
Recurring payments
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Detailed results report that can be edited completely
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Click on the image
to see the full screen and detailed functions
Results
and Loan repayment
Example
Recurring
payments
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Accrual
by Installment |
Highly flexible calculation for the accumulation of capital
by by regular or irregular, uniform or non uniform installments.
Examples :
- interest owed for non payment of salary, rent or other
- terminal value following periodic investments with (optional)
indexation of the investments
- periodic investment rate of return hypotheses
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Options:
- Single fixed rate
- Variable rates
- Variable rates + x%
- Multi currency
- Capital up to 999 million
- Interest rates up to four (4) decimal points
Installment frequencies:
- annual, semiannually, monthly, twice monthly' every x
days (for example: 7 days, 14 days, 28 days, 30 days, etc.
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Interest compounding at the installment date or
simple interest
Multiple variable interest rate tables are included and may
be added and updated
see Interest
tables
Indexation of an amount to allow the increase (or reduction)
of the installments according to an indexation table included
or custom table which may be created and updated
see Indexation
tables
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Click on the image
to see the full screen and detailed functions
Data
entry screen
Accrual by installment
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Detailed results report that can be edited completely
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Click on the image
to see the full screen and detailed functions
Results
Accrual
by installment
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Present
Value |
Evaluates the present value of future installments
A few concrete applications :
- comparative analysis: payment of a lump sum or future installments
- investment opportunities (appropriate return)
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Options:
- Single fixed rate
- Variable rates
- Variable rates + x%
- Multi currency
- Capital up to 999 million
- Interest rates up to four (4) decimal points
Installment frequencies:
- annual, semiannually, monthly, twice monthly' every x
days (for example: 7 days, 14 days, 28 days, 30 days, etc.
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Indexation of an amount to allow the increase (or reduction)
of the installments according to an indexation table included
or custom table which may be created and updated
see Indexation
tables
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Click on the image
to see the full screen and detailed functions
Screen
Present value
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Effective
Rate of Return |
Calculates the effective rate of return of an investment
made at an initial date and cashed in at the final date.
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Click on the image
to see the full screen and detailed functions
Screen
Effective rate of return
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Indexation
of an Amount |
Calculated the actual or future value of a product,
service (or other) following an indexation table.
A few concrete applications :
- Effect of inflation (or other index) on the present value of
a product, service, indemnity, etc.
- Comparison of a stock market investment and a term deposit or
other.
- Present value of an historical investment in various market
indices, mutual funds or other...
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Indexation tables included (consumer
price index for certain countries, historical performance
for certain stock indexes, legal indexation rates) or custom
tables
see Indexation
tables
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Click on the image
to see the full screen and detailed functions
Screen
Indexation of an amount
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Indexation
Table from Variable Payments |
This utility creates, using variable periodic payments
(regular or irregular) an indexation table which may be used thereafter
in other calculations ("Accrual by Installment", "Present Value"
or "Indexation of an amount").
This allows the user to enter the payment changes
and corresponding dates in order to obtain an indexation table that
can then be used to create complex interest tables with uniform
and non uniform payments.
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Click on the image
to see the full screen and detailed functions
Screen
Conversion of payments (installments) to an indexation table
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Nominal
/ Effective Interest Rate Converter |
Based on a compounding period, converts a nominal
interest rate to the corresponding real interest rate. The effective
rate may also be converted to the nominal rate.
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Click on the image
to see the full screen and detailed functions
Screen
Nominal / effective interest rate converter
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Various
Date Calculations |
This simple
utility allows the calculation of deadlines, number of days between
dates, etc...
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Click on the image
to see the full screen and detailed functions
Screen
Date calculation
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International
Sales Tax Calculations |
This simple utility allows to calculate the
sales taxes for various countries, states or provinces. Margill
contains a number of sales taxes and others may be added.
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Click on the image
to see the full screen and detailed functions
Screen
Sales tax calculations
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